2026 data Public-data reference. official source

Companies: O

Companies starting with O that appear in the CFPB Consumer Complaint Database, sorted by total complaint volume.

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5.9K companies starting with "O"

Showing 4.3K–4.3K of 5.9K

Sort by: Name Most Complaints Timely Response
Company Complaints
or proof of ownership has been produced. Under 1681i ( a ) ( 5 ) ( A ) 3
or proof of ownership has ever been provided 2
or proof of possession of the original note. 1
or Proof of the debt 's assignment or purchase by I.C.System 1
or proof that any legally required notice was ever sent to me. 1
or proof that anyone was assigned to resolve the issue. The temporary card has worked inconsistently and continues to decline at most merchants. 1
or proof that I was sent notice. 1
or proof that the insufficient notice fee is lawful under XXXX emergency rules. 1
or proof that this debt belongs to me. Continuing to report a charge-off without such verification is unlawful and harmful. The reporting of this item is misleading and incomplete 1
or proof whatsoever. 4
or proper 1
or proper authorization.,,EQUIFAX 1
or proper authorization.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,TX,77007,,Consent provided,Web,2025-06-07,Closed with explanation,Yes,N/A,13956209 1
or proper authorization.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS 1
or proper compliance with federal consumer reporting laws. 1
or proper dispute handling.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,OH,44143,,Consent provided,Web,2025-12-03,Closed with explanation,Yes,N/A,17674580 1
or proper dispute handling.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS 1
or proper documentation as required under FDCPA 809 ( 15 U.S.C. 1692g ). Continuing to report this debt without proper validation is a violation of my rights. 1
or proper validation of the debt in question. 1
or properly calculated. 1
or property 2
or property in his custody or possession 1
or property interest 1
or property of any person. 2
or property of any person. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Fact DEBT COLLECTOR are in violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure 1
or property of any person. A negative account hurts my financial reputation. 2
or property of any person. ca pital one negative information without authorization and is damaging the consumer/original credito r person. and ; Capital One is in violation of is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ). Capita l One did not disclose to the consumer that information will be reported to a third party. and ; Capita l One is in violation of is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( B ). The consumer was not give n the opportunity to opt out before the information was disclosed to a third party. and ; Capital One is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( C ). The consumer was not given an explanation of ho w the consumer can exercise the nondisclosure option. and ; Capital One is in violation of 15 U.S. C ode 1681a ( 2 ) ( A ) ( iii ) .It was not clearly disclosed to the consumer that the information may be com municated among such persons and the consumer was not given the opportunity 1
or property of any person. The company asked for my assistance in verifying information entrusted to XXXX and consistently contacted/ harassed me via phone and email using the information obtained within my complaint.,,EQUIFAX 1
or property of any person. The company asked for my assistance in verifying information entrusted to XXXX and consistently contacted/ harassed me via phone and email using the information obtained within my complaint.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,33897,Servicemember,Consent provided,Web,2022-08-17,Closed with explanation,Yes,N/A,5890412 1
or property of any person. The company asked for my assistance in verifying information entrusted to XXXX and consistently contacted/ harassed me via phone and email using the information obtained within my complaint.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS 1
or property of any person. This bad debt that is furnished to my credit report is ruining my reputation 5
or property tax bills 1
or proprietary fraud monitoring outputs '' may not be disclosed. This is problematic because those are the categories of records that would ordinarily be relied upon to reach an authorized '' conclusion. If XXXX XXXX relied on those records 1
or proprietary identityincluding but not limited to variations of my legal name 1
or protecting my personal information. 1
or proved by the sworn declaration 1
or provide a resolution. 1
or provide an alternative solution 1
or provide documentation of their dispute process. When I asked to escalate the matter 1
or provide informa-XXXX The reporting periods have been lengthened for certain adverse information pertaining to U.S. Governmentinsured or guaranteed student loans 1
or provide information sufficient to infer 8
or provide informed consent. 1
or provide me with alternate methods of accessing the account or funds in the account. 1
or provide me with proofe i opened account with them.,,JPMORGAN CHASE & CO.,NY,10027,,Consent provided,Web,2018-05-04,Closed with explanation,Yes,N/A,2897159 1
or provide security for the credit or collateral ). The creditor shall exercise reasonable diligence in obtaining such information.,,Bread Financial Holdings 1
or provide the credit. Only after the realization that we came to the dead end we decided to get the credit card involved. 1
or provide the documentation Ive requested. Instead 1
or provide them evidence to support my case 1
or provided any identification 1
or provided any information for me to return the damaged items. Their website did not give me an option to return the damaged merchandise 1

About this letter-indexed view

This page lists every company beginning with the letter O that appears in the Consumer Financial Protection Bureau (CFPB) Consumer Complaint Database. The CFPB has accepted consumer complaints since 2011 and publishes them as a public dataset so consumers, journalists, and researchers can study patterns across the financial services industry. PlainComplaint mirrors that database and groups it by company so a single company page rolls up every complaint filed against that institution across every product, state, and complaint year.

Companies on this page are listed by name by default. You can switch the sort to "Most Complaints" to surface the highest-volume institutions starting with this letter, "Timely Response" to find companies with the strongest response track record, or "Most Recent" to see who has had complaints filed most recently. Each row links to a dedicated company page with year-over-year trends, the top complaint products, the issue categories driving volume, and a state-level breakdown showing where the company's customer base is filing the most reports.

How to interpret these numbers

Total complaint counts reflect raw volume — they do not control for a company's customer base size, market share, or product mix. A large nationwide bank can show six-figure complaint counts simply because it serves tens of millions of customers. A smaller regional lender with a low complaint count may still have a higher per-customer complaint rate. To compare companies fairly, look at "Timely Response %" alongside total volume: this measures the share of complaints the company answered within the CFPB's deadline. A high timely rate combined with a low consumer-disputed rate is a stronger signal of customer-service quality than raw count alone.

A complaint in this database is not a finding of wrongdoing. The CFPB does not verify the facts of each complaint before publishing it; complaints are consumer-submitted narratives. Companies have the opportunity to respond, dispute, or resolve each complaint, and many are resolved with monetary or non-monetary relief. The strength of the dataset is its scale — millions of records spanning every major U.S. consumer finance category — and its neutrality: it reports what consumers said happened, regardless of the company's perspective.

What you'll find on each company page

Each company detail page derives every statistic from the live PlainComplaint database. You'll see the company's total complaint volume since 2011, the timely-response rate, the breakdown by financial product (mortgages, credit cards, debt collection, credit reporting, and so on), the most common complaint issues filed against that company, the top states by complaint volume, and a year-over-year trend showing whether complaint volume is rising or falling. Where the database includes the company's most-recent assets or revenue, those values are shown so readers can compare complaint volume against firm size — context that raw counts alone cannot provide.

Companies are deduplicated where possible: subsidiaries are linked back to their parent organization, and shared identifiers from the CFPB are used to merge duplicate entries that appear under slightly different names. If you spot a company that should be merged with another, contact our editorial team — corrections are processed and reflected on the next dataset refresh.

Source & refresh cadence

All complaint records originate from the CFPB Consumer Complaint Database, downloaded from the agency's public data portal at consumerfinance.gov. We refresh the dataset on a regular cadence so the rankings, browse pages, and detail-page statistics stay aligned with the agency's latest public release. See the methodology page for the full data pipeline, deduplication rules, and refresh schedule. See the full company index for the alphabetical view across every letter, or jump to the rankings hub for live top-10 lists computed from the same database.

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